IMO, if you refuse to go someplace that you can't carry for safety concerns then it really isn't someplace you should be going anyway. Contrary to some folks beliefs running into the post office, courthouse, school, NYC, Illinois, etc without a gun will not result in instantaneous death. If you really fear for your life if you go into a certain, store, bar, city, state, etc where carry is not allowed than just don't go there.
Just cause you can carry doesn't make putting yourself into situations YOU deem as questionable a good idea. And if YOU deem ALL situations questionable to the point where you won't go anywhere without a gun then you really should go live on a mountain top.
In short, limits you place on your lifestyle should be the same whether you're packing or not.
LK